TransUnion--(Fyi--ALL BUREAUS...Equifax , & Experian LESS Than CONSUMER Friendly Uninterested in truly " ACCURATE" Credit reporting for the CONSUMER RIPOFF TO THE CONSUMER, BUT THEY ARE YOUR CREDITOR'S BEST FRIEND TO SCREW THE CONSUMER AS A FRIEND TO THE BANKS TO RAISE OUR INTEREST RATES Chester Pennsylvania

Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

I guess you'd say by their account....We are early on....disputes filed March 5th and March 7th, 2005. Disputes filed against above creditor under both my SS#, & my husband's SS#. 30 days...any correspondence...can bump it 15 days at a time. I, as a consumer, feel every day out there...is another harmful day i shouldn't have to incur.

We faxed our proof...immediately...to avoid unnecessary delays...due to History of Creditor--always unavailable. He'd take all of 30...soon as he saw our names.

***However...even after faxing all original documentation to prove the false entries: "FORECLOSURE INITIATED"...we are still being told the investigation is still open...and waiting on a reply from the creditor. ORIGINALLY...after submitting our proof via fax...up front...we rec'd letter...stating didn't pertain to dispute....and more or less deemed "FRIVOLOUS"

Completely ABSURD!!! If all original documents don't pertain...then what does????

***In essence....all contracts deemed null & void, with no force or effect preceding date of agreement, and with no liabilities.

(Seller/Mrtg financer/Builder/Contractor....did to avoid being sued...sold 1/2 of townhouse never approved for division of sale...until 3 years later...and had NO "CERT. OF OCCUPANCY" which had various issues...some attempts to correct, but didn't resolve leaks, pooling, and flooding issues. Building Inspections, Planning & Zoning, and City Atty...involved in 2003...bldg...since summer/fall 2000.)

**LAND CONTRACTS NEVER RECORDED...Lien Release...N/A...documents from Clerks Office provided. WE HAVE NO DEED UNDER OUR NAMES. (all submitted in faxes to TransUnion)

If...you have... NO debt....and you have....NO Creditor...meaning neither EXIST....how can a CREDIT ENTRY exist??? nor a "DEED" w/your names...HOW do you have a Mortgage entry?????

***The creditor always was unavailable....he made false eviction attempts, and even a false Collection Attempt...changing his story (3) times. I fended it all off...everything dropped, and lawyer wouldn't pursue.

****Important FYI: Do not believe everything you receieve...in almost all cases....nothing has to be provided or proven to take action against you....merely fees are required up front!!!
They pay....and then play you.

Back to Bureau/Creditor....

The creditor responded under mine...TransUnion...then issued a letter: investigation is now complete--I rec'd on 3-24-05 which stated: VERIFIED--NO CHANGE.

***meaning this creditor claimed valid. Funny...as no Foreclosure process ever took place. Not to mention lates were invalid, and he noted us as Mrtg...after a 8-12-03 agreement ended all contracts, and we became...RENTERS...month to month from Aug-Nov. 2003.

TRANSUNION...has a a "SPECIAL HANDLING DEPT", which you only get to speak to after demanding supervisor/managers, etc. ***ALL reps did their absolute best to avoid this...using open investigation, and only accurate info can be reported...blah blah blah

Just not in our case...as the creditor aka SUBSCRIBER as the bureau referred to him as...in fact falsely entered (2) times...and a 3rd time we'd soon find out.

Even then....you get this attitude...you should wait to see how the Investigation goes....and the repetitive statements of: ONLY ACCURATE INFORMATION CAN BE REPORTED. They do have their own fax area...so they can pull...and confirm receipt of fax.

OCT. 2003, MARCH 2004...Creditor twice reported with TransUnion, and Equifax--we're dealing with CSC Credit Svcs...and affiliate of Equifax due to our zip code.

***I rec'd p/c from CSC on (3-24-05) my entries deleted, but have yet to receive new letter, and credit report. I'll only believe it when I see it.

Our dispute(s) to TRANSUNION....were against Triange Group entries...which is what the false entries were reported in under in 2003 & 2004.

Sometime after our dispute process began in March 2005....creditor came back and reported as: KORESSEL GROUP INC.

****Koressel Group was former business name. In fact it had been renamed: TRIANGLE GROUP, INC eff: 4-18-01

We told "SPEC HANDLING" rep this fact, and it didn't seem to matter...said no need to re-fax info...as letterheads, and our documents no longer matched or pertained to dispute. He then stated they aren't obligated to handle...more of a courtesy.

I could try to contact Creditor...or wait type deal. Lovely.

If he verified...must be so type attitude...and I could have a "CONSUMER STATEMENT" attached...approx. 100 words. Big Deal!!!

WHAT A LOAD OF CRAP!!!!!!!!!!!!!!!

I then found Secretary of State website for Kentucky...Printed their documentation proving Koressel infact renamed Triangle.

Info sumbitted via fax...rec'd/reviewed by another rep: Pat again in "SPEC HANDLING" and by a "Senior Rep" per the Pat.

Even after reviewing, and questioning of need for any other faxes to be resubmitted....

STILL IN LIMBO. Only way they will apparently remove is if they get OK from creditor....or he doesn't reply back

I asked if LEGAL area reviewed....NO...but told they'd say the same thing.

COMPLETELY ABSURD.

I'm not a paid Lawyer....so apparently anything I say or submit must not be valid.

POSITIVE COMMENT ABOUT TRANSUNION: They did mention need to contact any of the following: Atty Generals Office, FTC, BBB, etc.

It wasn't really their ISSUE...more of one of the above

REALITY ABOUT TRANSUNION (and the others from what I've researched....

THEY AREN'T REALLY INTERESTED IN FACTUAL REPORTING APPARENTLY....& DO NOT...take the general consumer seriously regardless of how much proof you are holding or sharing with them.

It shouldn't require a Lawyer, or involvement of any of the organizations they mentioned I could contact. If you have the money...and want IMMEDIATE resolution....seriously consider getting yourself a lawyer.

*** I've filed complaints to the followin: FTC-Federal Trade Commission, BBB-Ky, Secretary of State, "Consumer Complaints Division"--Atty Generals Office, and of coarse all the ...disputes to all bureaus with false information on us.

Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

Mr. Walker reopened investigation under both our social security numbers. Info. faxed. I must say it didn't seem to matter once again what we sent. Difference of opinion, etc.

Only after a very heated phone conversation on April 6, 2005 would things change. I argued how UNACCEPTIBLE it is for the burden to fall on the consumer....when it's our credit...therefore if they are going to sumbit something that changes it....the BURDEN...should be theirs to prove. NOT OURS.

I argued how ABSURD...NOt even a Simple Call or Calls had been made to the numbers I gave for them to verify. I was initially told they didn't know it was valid...I suggested they do a online search or dial INFORMATION....use their Verification techiniques....certainly don't take my word. How credible am I?

I was then told...nothing requires a CREDITOR to provide anything more than a VERIFICATION. Regardles of any aggressive disputes...I was told the stance remains the same. They couldn't require anything beyond a VERIFICATION.

I made mention of fact...they had to take my dispute to be VALID, and per my research I disagreed...they had obligation to request documentation to ensure my credit report....was truly ACCURATE....especially due to fact we had aggressively disputed from day one.

***I was given a date...the investigation would be completed. I expressed my frustration at the whole process right from the beginning...from the CUE CARD type reps, to the ignoring of correspondence...as FRIVIOLOUS.

***I ended the call letting him know I felt nothing would be done...short of me hiring an attorney. If they required documentation...there could be NONE...unless the creditor forged illegal documents. Lates, Dates, Foreclosure Initiated...all wrong...and then allowed creditor to come back and report under former business name....was just UNBELIEVABLE.

***I vividly remember the example I was given...of a Capital One scenario where inaccurate info. was listed, and the consumer contacted them, and received a document from Capital One stating error. TOO FUNNY...where talking about a creditor falsely reporting in Oct 2003, March 2004, and after our disputes....came back and reported March 2005 under former company name.

I hung up feeling....I might as well have been talking to MR. Koressel of Triangle Group, Inc (formerly Koressel Group)....currently Triangle Group, LLC.

SUPRISE SUPRISE SUPRISE

I received an email...from TransUnion V.P. stating good news and I needed to call.

I'd learn on (Fri) April 8th, 2005 Mr. Walker had spoke with the Koressel Group, and had been informed that a Universal Data Sheet was supposedly alreay in process to send to all the bureaus to remove any/all entries. (Yet...everyting verified/unchanged on 3-31-05)

A VERY SUDDEN CHANGE OF HEART. Probably shocked to get the call from TransUnion's Vice President.

SO......KUDOS....to MR VP-Sean Walker....for making a simple call, and making the decision to not wait for any such document to come. He immediately had removed all our entries related to the creditor, and mailed us new update letter, and Reports. Better late than never I guess.

***Still working on CSC-Equifax's affiliate

***MY opinion still stands...it is entirely TOO easy for creditors to report....and entirely TOO hard for consumers to dispute INACCURATE or FALSIFIED entries!!!!!!!!!!

Laws & Regulations need to be established, and the creditors and bureaus need to adhere or face consequences if they choose to ignore. Its time to make the correct parties ACCOUNTABLE, and remove the burden from the CONSUMER!!!!!!!!

GOOD LUCK to ANY/All in process of any dispute...DO NOT GIVE UP...and don't WALK AWAY. (They wouldn't say it... if put on the spot...but I truly believe they hope if they stall us long enough...we will just go away).

***The idea....it's cheaper to deal with us in a lawsuit later versus now. The odds are in their favor most won't sue. Out of fairness...they aren't the only business...in fact many big business handle it the same way. All about numbers...and MONEY.

***ALL CORRESPONDENCE apparently ignored, and not even a simple phone call to the Scott Co. Courthouse (502) 863-0474 to run foreclosure search was done--which would confirm entry to be false.

IN fact....based on letters...no documentation was required above normal verification....even though....we had been aggressively disputing since the original dispute.

It looks like we had mortgages....during dates...we were IN FACT....RENTERS. (Aug Sept Oct Nov of 2003 ).

***even nicer....we have false lates attached, too.

***IT'S COMPLETELY ABSURD!!!!!!!!!!!!!!!!!!

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CSC Credit Svcs (Equifax's affiliate handling--due to our zip code).

Dispute process completed. Take this into consideration....the account reported to them...under my husband and also under mine.....was...is listed as a JOINT acct....all the same info.--again with inaccurate info. beside the lovely "foreclosure"thing.

JC"S: Verified as having been reported correctly
KC"s: Deleted

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At this moment...I'm doing all I can, to refrain myself from calling these bureaus a few choice names.

I might as well....just contacted the creditor to handle the matter. (He'd offered as much help in the matter).

At times during the process....I thought....hmmm....maybe these bureau employees are on the payroll of the creditor falsely reporting.

Obviously NO documentation was presented....and if any ever is presented....we'll just have more to add to our arsenal against this creditor.

WE APPARENTLY NEED NEW LAWS, AND REGULATIONS....It's time to take the burden off the consumer....and Place it back on the rightful people....the ones using our data to make a PROFIT....creditors, credit bureaus, etc.

***with TransUnion...you have greater chance of speaking with a live rep.

***CSC---only avail Mon-Thursdays. ****something is up with your website folks.....every day I've tried to go in and access my credit report....I get SYS difficulties...try again next business day. WILL IT BE UP AND RUNNING ANYTIME SOON??????

Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.